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A taxpayer under the transitional regime wishes to cancel their current mortgage to take out a new one with better terms and a higher principal amount. The DGT rules that replacing a loan does not exhaust the right to the deduction, provided the new loan is used to repay the previous one.
Cuestión planteada Posibilidad de seguir deduciéndose por adquisición de vivienda habitual por las cantidades que satisfaga por amortización del principal e intereses del nuevo préstamo, así como por los gastos ocasionados por el cambio de préstamo.
La sustitución o ampliación de un préstamo no concluye el proceso de financiación ni agota la deducción, pues solo modifica las condiciones acordadas. Las cuotas del nuevo préstamo (amortización e intereses) dan derecho a deducción en la parte proporcional atribuible al préstamo originario destinado a la vivienda. No obstante, la parte proporcional del nuevo préstamo que corresponda al incremento del principal por la ampliación no será objeto de deducción. Se debe acreditar la conexión con el prestamista y el destino vinculado a la vivienda.
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